HELLO Credit Union Profile

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HELLO

Charter #63262 | NCUA Region 2 | FISCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (850) 785-6103

Fax: (850) 785-1452

Founding Date: N/A

Website: https://www.hellocu.com

Personnel & Operations

President: Bliss, Gary

Manager: Akers, Michael

FT Employees: 39

PT Employees: 3

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 99

Branches: 5

Hours: Lobby M-F 9:00AM-5:00PM D/T M-F 8:30AM-5:00

Credit Union Profile Summary

HELLO is a FISCU Credit Union. With a total of 11,196 members [1], this institution manages approximately $160,223,271 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 13.87% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -4.02% [1].

Financial Snapshot

Total Assets [1]
$160,223,271

Total economic resources.

Total Loans [1]
$106,717,013

Total value of outstanding loans.

Total Deposits [1]
$134,726,575

Total funds deposited by members.

Members [1]
11,196

Number of active members.

Performance Ratios

Net Worth Ratio [1]
13.87%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
0.50%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
79.21%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↓ -4.44%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↓ -4.02%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↓ -4.43%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

601 N Highway 231

Panama City, FL, 32405-4705
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

Rate This Credit Union

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Branch Locations

Found 4 branches reported by HELLO (Charter #63262).

Main Office

Main Office Main Office

Type: Corporate Office

601 N Highway 231

Panama City, FL 32405-4705

Phone: (850) 785-6103

Services: Member Services, ATM, Drive-Thru

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Additional Branches

Panama City

Callaway Office

Type: Branch Office

103 S Tyndall Pkwy

Panama City, FL 32404-6722

Phone: (850) 872-3737

Services: Member Services, ATM, Drive-Thru

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Panama City Beach

Beach Office

Type: Branch Office

7713 Front Beach Rd

Panama City Beach, FL 32407

Phone: (850) 230-3862

Services: Member Services, ATM, Drive-Thru

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Tallahassee

Tallahassee Office

Type: Branch Office

3115 Conner Blvd

Tallahassee, FL 32311

Phone: (850) 785-6103

Services: Member Services, ATM, Drive-Thru

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